WallStSmart

Chubb Ltd (CB)vsStewart Information Services Corp (STC)

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Smart Verdict

WallStSmart Research — data-driven comparison

Chubb Ltd generates 1734% more annual revenue ($61.94B vs $3.38B). CB leads profitability with a 18.1% profit margin vs 3.6%. CB appears more attractively valued with a PEG of 2.74. CB earns a higher WallStSmart Score of 61/100 (C+).

CB

Buy

61

out of 100

Grade: C+

Growth: 5.3Profit: 7.5Value: 5.0Quality: 5.5
Piotroski: 5/9Altman Z: 0.76

STC

Buy

51

out of 100

Grade: C-

Growth: 3.3Profit: 5.0Value: 5.7Quality: 5.5
Piotroski: 2/9Altman Z: 2.11

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CB6 strengths · Avg: 8.3/10
Market CapQuality
$139.12B9/10

Large-cap with strong market position

Debt/EquityHealth
0.269/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
20.5%8/10

Strong operational efficiency at 20.5%

Free Cash FlowQuality
$6.07B8/10

Generating 6.1B in free cash flow

STC2 strengths · Avg: 10.0/10
P/E RatioValuation
11.2x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Areas to Watch

CB4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
0.3%4/10

0.3% revenue growth

EPS GrowthGrowth
4.4%4/10

4.4% earnings growth

PEG RatioValuation
2.742/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.762/10

Distress zone — elevated risk

STC4 concerns · Avg: 3.0/10
Market CapQuality
$1.37B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.9%3/10

ROE of 7.9% — below average capital efficiency

Profit MarginProfitability
3.6%3/10

3.6% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : CB

The strongest argument for CB centers on Market Cap, Debt/Equity, P/E Ratio. Profitability is solid with margins at 18.1% and operating margin at 20.5%.

Bull Case : STC

The strongest argument for STC centers on P/E Ratio, Price/Book. Revenue growth of 13.0% demonstrates continued momentum.

Bear Case : CB

The primary concerns for CB are Revenue Growth, EPS Growth, PEG Ratio.

Bear Case : STC

The primary concerns for STC are Market Cap, Return on Equity, Profit Margin. Thin 3.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

STC carries more volatility with a beta of 1.04 — expect wider price swings.

STC is growing revenue faster at 13.0% — sustainability is the question.

CB generates stronger free cash flow (6.1B), providing more financial flexibility.

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CB scores higher overall (61/100 vs 51/100), backed by strong 18.1% margins. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Chubb Ltd

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Chubb Limited, incorporated in Zurich, Switzerland, is the parent company of Chubb, a global provider of insurance products covering property and casualty, accident and health, reinsurance, and life insurance and the largest publicly traded property and casualty company in the world.

Stewart Information Services Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Stewart Information Services Corporation offers title insurance and real estate transaction services. The company is headquartered in Houston, Texas.

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